[00:00.86]新单词
[00:01.72]anxious adj.
[00:02.25]担心的，焦急的
[00:02.77]available adj.
[00:03.54]可用的，可得到的
[00:04.31]option n.
[00:05.09]选择权
[00:05.88]maturity n.
[00:06.70](票据等的)到期
[00:07.52]emergency n.
[00:08.33]紧急
[00:09.14]mature v.
[00:09.80]到期
[00:10.45]Phrases & Expressions
[00:11.60]短语
[00:12.75]regular savings account
[00:13.87]普通储蓄帐户
[00:14.99]time deposit
[00:15.90]定期存款
[00:16.80]time certificate of deposit
[00:17.99]定期存款单
[00:19.17]the stated interest return
[00:20.45]规定所归还的利息
[00:21.73]W:Liu Bing, I have two thousand yuan for the cost of this term,
[00:23.88]王琳：刘萍，我从家带来2000元供这一学期的生活费，
[00:26.02]enough to last from now until summer vacation.
[00:27.78]维持到暑假看来已足够。
[00:29.54]I feel anxious about carrying around such a large sum. What should I do?
[00:32.25]带着这么多钱我觉得不放心，我该怎么办?
[00:34.95]L:Let me think. You can deposit one half as regular savings accounts and another half as time deposits.
[00:39.18]刘萍：让我想想。你可以拿其中一半作为活期存款，另一半作为定期存款。
[00:43.42]W:That's a good idea. Will they earn a similar rate?
[00:45.51]王琳：这主意很好。那么存款利率是否一样呢?
[00:47.60]L:The interest rate for time deposits is much higher than regular savings account.
[00:50.48]刘萍：定期存款的利率要比活期存款高得多。
[00:53.37]W:How long do I have to keep the money in the account?
[00:54.86]王琳：那么我的定期存款应该多长呢?
[00:56.35]L:The savings banks offer a choice of three, six or twelve - month maturities in most cases.
[00:59.39]刘萍：储蓄所在在大多数情况下备有三种定期存款，即分三个月，半年和一年。
[01:02.43]They also offer Time Certificate of Deposit in two-, three-, five or ten- year terms.
[01:05.32]另外，他们还提供2年，3年，5年或10年的长期定期存款。
[01:08.21]W:For us only the short-time deposits are available. Does the rate go up depending on how long you keep the certificate?
[01:11.86]王：对我们来说，短期存款合适。是否存款时间越长利率也就越高呢?
[01:15.52]L:Yes, of course. It would seem that three month time deposits are the best option for you.
[01:18.21]刘：是的，那当然啦。看来对你来说三个月的定期存款是最好的选择。
[01:20.90]W:I agree with you. Tomorrow, let's go to the bank to deposit my money.
[01:23.23]王：我同意你的看法，明天咱们俩就去银行存款。
[01:25.55]L:Yes, I want to deposit mine, too.
[01:27.12]刘：好，我自己也要去存款。
[01:28.69]W:What maturities are the most popular?
[01:29.90]王琳：哪一种期限最普遍?
[01:31.12]L:Most people use the six or twelve-months plans, of course,
[01:32.76]L：大部分人都选用半年或一年的期限。当然啦，
[01:34.41]they may renew the certificate on maturity if they wish.
[01:36.13]到期后人们还可以续存。
[01:37.85]W:What if the customer needs the money for an emergency before the certificate matures? Can he get it out?
[01:41.43]王：假如存款人由于急用要提前取款，那又如何处理呢?他能否把款提出呢?
[01:45.01]L:Yes, of course, he can withdraw his money by cashing in his certificate before the maturity date if necessary.
[01:48.49]刘：当然可以，在必要的情况下可以在到期之前提前取款。
[01:51.96]W:What will happen?
[01:52.86]王：那情况会怎样?
[01:53.76]L:He just won't receive the stated interest return.
[01:55.36]刘：他就不能拿到预先规定的定期利息。
[01:56.95]W:What a loss!
[01:57.88]王：那真可惜!
[01:58.80]L:So if you want to have a high rate of return, don't withdraw your cash before the end of the certificated period.
[02:02.45]刘萍：所以你想要获得较高的利息就不要在到期之前提取存款。
[02:06.09]W:Good idea.
[02:06.89]王：好主意。
